Fresh Jobs at PalmPay

Position Overview: 

• We are seeking a dedicated and goal-oriented Credit Sales Officer to join our team.
• As a Credit Sales Officer, you will play a vital role in expanding our client base and driving revenue growth by promoting and selling credit products and services.
• You will work closely with clients to understand their financial needs, assess creditworthiness, and provide tailored solutions.
• This role requires strong interpersonal skills, a deep understanding of financial products, and the ability to build lasting customer relationships.

Key Responsibilities:

Client Relationship Building:

• Develop and maintain strong relationships with existing clients while actively seeking new business opportunities.
• Understand clients' financial goals and needs to offer suitable credit solutions.

Credit Assessment:

• Evaluate clients' credit applications, financial documents, and credit history to determine their creditworthiness.
• Analyze risk factors and use credit scoring models to make informed lending decisions.

Sales and Business Development:

• Promote and sell a variety of credit products and services to individual and business clients.
• Identify potential clients through market research, networking, and referrals.

Customized Solutions:

• Collaborate with clients to understand their financial situation and recommend credit solutions tailored to their needs.
• Explain the features, terms, and benefits of different credit options to assist clients in making informed decisions.

Negotiation and Deal Closure:

• Negotiate terms, interest rates, and repayment schedules with clients to arrive at mutually acceptable agreements.
• Ensure compliance with company policies and regulations during the negotiation process.

Documentation and Compliance:

• Prepare accurate and complete credit applications, ensuring all necessary documentation is provided and verified.
• Ensure compliance with legal and regulatory requirements throughout the lending process.

Sales Targets and Reporting:

• Work towards achieving sales targets and quotas set by the company.
• Maintain accurate records of sales activities, client interactions, and outcomes.

Market Insights and Feedback:

• Stay informed about industry trends, competitive offerings, and market dynamics.
• Provide feedback to the management team about client preferences and market demands.

Qualifications and Requirements:

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• Proven experience (3 years) in sales or business development, preferably within the credit sector.
• Strong knowledge of credit products, lending practices, and financial regulations.
• Excellent interpersonal and communication skills.
• Ability to assess credit risk and make informed lending decisions.
• Results-oriented with a proven track record of meeting or exceeding sales targets.
• Proficiency in using CRM software, Microsoft Office Suite, and other relevant tools.
• Strong negotiation and problem-solving abilities.
• Attention to detail and accuracy in documentation.
• Ethical conduct and adherence to confidentiality guidelines.

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Job Summary:

• As a Sales Trainer, you will be responsible for developing, delivering, and evaluating sales training programs to equip sales teams with the knowledge, skills, and tools they need to achieve sales targets and goals.
• You will work closely with the sales team, sales managers, and other departments to identify areas where training is needed, design customized training programs, and deliver training sessions.

Key Responsibilities:

• Develop, deliver and evaluate sales training programs for new and existing sales representatives.
• Work with sales managers to identify gaps in knowledge or skills among the sales team and develop targeted training programs to address those gaps.
• Conduct training needs assessments to identify training needs and customize training content to meet those needs.
• Create training materials such as presentations, videos, and training manuals.
• Deliver training sessions using a variety of training methods, including classroom training, online training, and on-the-job coaching.
• Monitor and evaluate the effectiveness of training programs and make recommendations for improvement.
• Keep up-to-date with new sales techniques, tools, and technologies to ensure training programs reflect the latest best practices.
• Collaborate with other departments to ensure consistency and alignment with overall company goals and objectives.
• Provide ongoing coaching and support to sales representatives to reinforce learning and improve performance.
• Assist with the onboarding of new sales team members by providing training and coaching during their ramp-up period.
• Maintain training records and provide reports on training activities and results to management.

Qualifications:

• Bachelor's degree in business, sales, marketing, or a related field.
• 4+ years of experience in sales training or sales management.
• Experience developing and delivering sales training programs.
• Strong understanding of sales techniques and methodologies.
• Excellent communication and presentation skills.
• Ability to create effective training materials and deliver engaging training sessions.
• Strong coaching and mentoring skills.
• Ability to work independently and as part of a team.
• Strong organizational and time management skills.
• Proficient in Microsoft Office and other sales-related software.